Hiscox vs The Hartford: How Do They Compare for Business Owner’s Policy?

Hiscox lets eligible buyers quote and buy its BOP online but is unavailable in seven states including Florida and Ohio; The Hartford reports its customers paid an average of $1,687 a year for a BOP and lets you add workers' comp or commercial auto.

The Hartford's BOP includes business income cover and comes with a published $1,687 average annual cost. Hiscox's online BOP lets you add cyber, hired auto and crime, but you can't buy it in seven states, including Florida and Washington. ^6,^5,⁴

What Are the Key Differences Between Hiscox and The Hartford Business Owner’s Policy?

Where You Can Buy and What's Built In

Hiscox's BOP isn't available in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington or West Virginia; businesses there can rule it out now. The Hartford builds business income into the base policy, so a covered shutdown replaces lost revenue without an add-on. Both write their own BOPs and let you quote online. Choose The Hartford if you're in one of Hiscox's excluded states or want workers' compensation, commercial auto and professional liability from the same insurer; choose Hiscox if you want cyber, hired auto or crime folded into the BOP itself. ⁵ ⁶ ¹

Add-Ons

The Hartford lets you add workers' compensation, professional liability, commercial auto, data breach and off-premises utility business-income cover. Hiscox's upgrades are cyber, hired and non-owned auto and commercial crime, tied to the BOP occurrence limit. If a utility outage down the street could close you, only The Hartford names cover for that. ⁶ ¹

Price Signals

The Hartford says customers paid an average of $1,687 a year, which gives you a budget benchmark. Hiscox shows only an illustrative table for a California IT consultant, labeled as not a quote, and neither publishes standard limits. The Hartford also lists a phone number if you'd rather not quote online. ⁶ ¹

What Should You Confirm in Hiscox and The Hartford Business Owner’s Policy Quotes?

Check your state against Hiscox's exclusion list. ⁵
Ask which Hartford subsidiary issues your policy; it varies by product and state. ⁷
Check whether Hiscox's quote includes business income, since The Hartford's does by default. ⁶ ¹
Treat The Hartford's $1,687 figure as an average, not your premium. ⁶

Hiscox vs The Hartford Business Owner’s Policy Compared

Hiscox vs The Hartford: Business Owner’s Policy: documented features by provider

Criteria	Hiscox Business Owner's Policy	The Hartford Business Owner's Policy (BOP)
Who It’s For	Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. ⁵Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.	The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. ⁶Company-reported. BOP product page as read 2026-09-23.
How to Apply	Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. ⁶Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
Coverage Features	Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. ^1,^2,³Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.	The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. ⁶Company-reported. BOP product page as read 2026-09-23.
Role in This Line	Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. ^1,⁴Company-reported. Company-stated online small-business channel.	The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. ⁶Company-reported. BOP product page as read 2026-09-23.